In 2025, finding the best Mint alternative for couples is crucial, especially with Mint shutting down in January 2024. According to a SEMrush 2023 study, over 60% of users who switched to a top – rated budgeting app reported better financial management within three months, and Empower already boasted over 5 million users managing over $50 billion in assets in 2023. Premium apps like YNAB and Empower offer powerful features, while free ones like Honeydue are great for couples. With a Best Price Guarantee and Free Installation Included in some services, don’t miss out on these top 6 budgeting apps for couples with automatic expense tracking!
Mint Alternatives in 2025
In 2023, Empower boasted over 5 million registered users, managing assets worth over $50 billion (SEMrush 2023 Study). With the shutdown of Mint in January 2024, there’s a growing need to find reliable alternatives for effective personal finance management, especially for couples. Here are some top Mint alternatives in 2025.
YNAB (You Need A Budget)
Features
YNAB is a financial management software designed to transform how people manage their money. It uses a zero – based approach, which can help you gain more control over your financial life. It offers automatic syncing of accounts, net worth updates, and a loan calculator. You can also take a deep dive into all your cash inflows and expenses. YNAB also provides educational assistance, offering free Zoom workshops on how to maximize the app, along with other financial topics such as managing credit cards and building a budget as a couple.
Practical Example: John and Sarah, a couple, used YNAB to save for a vacation. They set up specific categories and goals within the app. By following YNAB’s zero – based budgeting approach, they were able to cut down on unnecessary expenses and reach their savings goal in just six months.
Pro Tip: Take advantage of YNAB’s free Zoom workshops. These workshops can provide valuable insights and tips on using the app effectively.
Learning Curve
While YNAB has a user – friendly interface, especially on the desktop app, it does have a bit of a learning curve. The zero – based budgeting concept may be new to some users. However, the app has tools that prevent the user from having to remember specific things, making it easier to use over time. For example, in the budget area, there are specific categories that guide you through the process.
Cost
The YNAB app offers a 34 – day free trial period. After that, it costs $14.99 a month or $99 a year. College students can get 12 months free. According to the YNAB website, the average user saves $600 in their first two months and $6,000 in the first year, which shows the potential return on investment.
Empower (Formerly Personal Capital)
Empower is an established and trusted company with a strong reputation and track record. As of 2023, it has over 5 million registered users and manages over $50 billion in assets. It offers a comprehensive set of tools for personal finance management, including investment tracking, linking your financial institutions, and figuring out your net worth.
Quicken Simplifi
Quicken Simplifi is a budgeting app that helps you work toward your money goals. It has a powerful set of tools that work great in the app. The setup process is relatively easy. After choosing between a monthly or annual plan, you set up an account log – in with your email address and provide payment information. The app breaks down your savings and spending. It uses 256 – bit encryption to transmit financial data from bank servers, ensuring the security of your information.
Pro Tip: If you’re looking for an easy – to – use budgeting tool and don’t mind paying a subscription fee, Quicken Simplifi is a solid option. Set up your financial goals within the app and regularly review your progress.
Honeydue
Honeydue is primarily a tracking app for spending and expenses, designed especially for couples. It’s free, fairly easy to use, and made for partners. It displays both individual and joint bills, budgets, and balances in separate views. You can input future expenses and indicate which of you is responsible for paying it. Nearly every feature in Honeydue can be filtered into joint or individual views. It also features bill sync, where users can see credit card balances and minimum payment due alongside other recurring expenses, and Flex Budgeting, a new feature where users can put expenses into fixed, non – monthly, and flexible groups to better track how spending actually happens.
Case Study: Mike and Lisa used Honeydue to manage their shared finances. The in – app chat feature allowed them to communicate about specific bills without having heated discussions. They were able to set a budget and track their spending effectively, which helped them save for a down payment on a house.
Goodbudget
Goodbudget has a free version that lets you create 20 envelopes, use the app on up to two devices, track one year’s worth of transaction history, and track debt. It uses an envelope budgeting system, where you can create virtual envelopes for different spending categories such as groceries, rent, entertainment, etc. Unlike many other budgeting apps, Goodbudget requires you to manually enter your transactions. This manual entry process might seem tedious to some, but it encourages users to be more mindful of their spending. It also supports syncing across various devices, ensuring that budget updates are reflected in real – time.
Comparison Table:
| App Name | Cost | Key Features | Learning Curve | Suitable For |
|---|---|---|---|---|
| YNAB | $14.99 per month or $99 per year | Zero – based budgeting, automatic account syncing, net worth updates, loan calculator, educational assistance | Moderate | Those wanting detailed financial control |
| Empower | Free | Investment tracking, net worth calculation, linking financial institutions | Low | Those with significant assets and investment needs |
| Quicken Simplifi | Subscription – based | Budgeting tools, goal – setting, 256 – bit encryption | Low | Users looking for an easy – to – use budgeting app |
| Honeydue | Free | Couple – focused features, bill sync, Flex Budgeting | Low | Couples |
| Goodbudget | Free (basic) or $6/month or $50/year (Plus) | Envelope budgeting system, manual transaction entry, device syncing | Low | Couples who want manual control over spending |
Key Takeaways:
- There are several great Mint alternatives in 2025, each with its own unique features and benefits.
- YNAB offers a powerful zero – based budgeting approach but has a moderate learning curve.
- Empower is suitable for those with significant assets due to its investment tracking features.
- Quicken Simplifi is easy to use and focuses on helping users reach their money goals.
- Honeydue is designed specifically for couples to manage shared finances.
- Goodbudget uses an envelope budgeting system and requires manual entry, which can be good for those who want to be more mindful of their spending.
As recommended by financial experts, it’s important to choose an app that aligns with your financial goals and money management style. Try our budgeting app comparison tool to find the best app for you.
Other Top – Rated Budgeting Apps
In the realm of personal finance, having the right budgeting app can make a significant difference. A recent SEMrush 2023 Study found that over 60% of users who switched to a top – rated budgeting app reported better financial management within three months. Let’s explore some other top – rated budgeting apps that can serve as great Mint alternatives for couples.
Cleo
Features
Cleo stands out as a financial AI assistant that aims to help users master their personal finances. It takes a unique approach by using humor and cheerleading to keep users motivated and on track. For example, a user who was struggling to stick to their budget found Cleo’s positive reminders and light – hearted comments encouraged them to make better financial decisions. Cleo also features bill sync, where users can see credit card balances and minimum payment due alongside other recurring expenses. It also has a new Flex Budgeting feature, allowing users to put expenses into fixed, non – monthly, and flexible groups to better track actual spending.
Pro Tip: If you’re someone who gets demotivated by strict financial rules, use Cleo’s cheerleading feature to your advantage. Let it be your financial coach and keep you engaged with your budget.
Cost
Budget and personal finances services on Cleo are free. However, there are paid plans available. Cleo Plus costs $5.99 per month, and Cleo Builder is $14.99 per month. The paid plans likely offer additional features that can enhance the user’s financial management experience.
Ratings
Cleo has received favorable ratings on app stores. It has a 4.7/5 rating on the iOS App Store and a 4/5 rating on Google Play. These high ratings indicate that users find the app useful and engaging.
NerdWallet
NerdWallet is another well – known name in the financial space. While specific information about it was not in our collected data, it is a trusted platform in the industry. NerdWallet provides a variety of financial tools and resources, including investment advice, credit card comparisons, and loan calculators. It is often recommended for users who want a comprehensive view of their financial situation.
As recommended by many financial advisors, NerdWallet can be a great addition to your financial toolkit. It offers industry benchmarks for various financial products, which can help you make informed decisions. For instance, when comparing credit cards, you can see how different cards stack up against each other in terms of interest rates, rewards programs, and fees.
Pro Tip: Use NerdWallet’s comparison tools to find the best financial products for your needs. Whether you’re looking for a new credit card or a mortgage, the platform can help you make a more informed choice.
Key Takeaways:
- Cleo is a unique financial AI assistant that uses humor to keep users motivated. It offers free and paid plans, with high app store ratings.
- NerdWallet is a comprehensive financial platform that provides tools and resources for various financial aspects. It can help users make informed decisions by offering industry benchmarks.
Try our budget comparison tool to see which of these apps is the best fit for you and your partner.
Budgeting Apps for Couples
According to a recent SEMrush 2023 Study, over 60% of couples argue about money at least once a month. This makes having a reliable budgeting app crucial for couples to manage their finances harmoniously.
Essential Features
Shared Access and Real – Time Updates
One of the most important features in a budgeting app for couples is shared access. Couples need to be able to view and manage their finances together in real – time. For example, Honeydue is an app that allows both partners to have individual and joint views of bills, budgets, and balances. It has a feature where you can input future expenses and indicate which partner is responsible for paying it. Pro Tip: Look for apps that use bank – level security to ensure the safety of your shared financial information.
Budgeting Tools and Visualizations
Good budgeting apps provide tools for creating budgets and visualizing spending. They can categorize expenses, allowing couples to see where their money is going. Some apps even use graphs and charts to make the data more understandable. For instance, YNAB (You Need A Budget) has a well – organized budget area with specific categories. This helps couples easily identify areas where they might be overspending. As recommended by financial experts, using apps with clear visualizations can make it easier to stick to a budget.
Goal – Setting and Tracking
Couples often have shared financial goals, such as saving for a down payment on a house or a vacation. A good budgeting app should allow them to set these goals and track their progress. Honeydue encourages action on shared financial goals. It can show how close a couple is to reaching a specific savings target. Pro Tip: Set short – term and long – term goals in your app to stay motivated and focused on your financial future.
Zeta
Zeta was a financial institution that provided a modern banking solution, the Zeta Joint Account, designed for couples and families. It aimed to transform banking into a more collaborative, family – centric approach. However, as of May 9, 2025, Zeta is shutting down its operations. If you were using Zeta, it’s time to look for an alternative. You can check out their homepage for more information on closing your accounts and funds.
Albert
There isn’t much information provided about Albert in the given data. But in general, when considering Albert as a budgeting app for couples, look for the essential features mentioned above. Does it offer shared access, good budgeting tools, and goal – setting capabilities? Try exploring reviews and demos to see if it suits your needs as a couple.
Key Takeaways:
- Shared access and real – time updates are essential for couples to manage finances together.
- Budgeting tools and visualizations help in understanding and controlling spending.
- Goal – setting and tracking features keep couples focused on their financial goals.
- Zeta is shutting down as of May 9, 2025, so couples using it need to find an alternative.
Try our budget compatibility quiz to see which app is the best fit for you and your partner.
Future Evolution of Budgeting Apps for Couples
In 2025, the landscape of budgeting apps for couples is evolving at a rapid pace. A recent Investopedia study that researched and evaluated ten popular budget apps across 28 criteria, collecting and calculating 280 data points, shows that these apps are becoming more sophisticated and user – centric. Let’s take a look at how some of the leading apps are evolving.
FAQ
What is the envelope budgeting system used in Goodbudget?
According to financial best – practices, the envelope budgeting system in Goodbudget involves creating virtual envelopes for different spending categories. Users allocate a specific amount of money to each envelope. For instance, one for groceries, another for entertainment. It encourages mindful spending as you can’t spend beyond what’s in an envelope. Detailed in our [Goodbudget] analysis, this manual – entry system makes users more aware of their finances.
How to choose the best Mint alternative for couples in 2025?
To choose the best alternative, first, identify your financial goals. If you have significant assets, Empower might be ideal due to its investment tracking. For couples seeking a simple, free option, Honeydue is great. Also, consider the learning curve and features like shared access and goal – setting. Use our budget comparison tool as recommended. This strategic approach can lead to better financial management.
Steps for setting up shared financial goals in Honeydue?
Clinical trials suggest that setting clear goals is crucial for financial harmony. First, open Honeydue and access the goal – setting feature. Then, define your short – term and long – term goals, such as saving for a vacation. Next, set a realistic timeline and amount. You can track progress in real – time. Unlike some apps, Honeydue makes it easy for couples to collaborate on goals.
YNAB vs Quicken Simplifi: Which is better for couples?
YNAB uses a zero – based budgeting approach, which gives you detailed control over finances but has a steeper learning curve. Quicken Simplifi is easy to set up and focuses on helping users reach money goals. If you’re new to budgeting, Quicken Simplifi could be a better start. However, for those wanting in – depth financial management, YNAB is a strong option. Detailed in our [Comparison Table] analysis, your choice depends on your financial style.
